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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $84,958 | $93,345-9.0% | $119,126-28.7% | $87,485-2.9% |
| Participation rate | 76.7% | 68.7%+8.0pp | 75.8%+1.0pp | 68.9%+7.8pp |
| Annual return | 16.77% | 19.08%-2.3pp | 282.11%-265.3pp | 26.06%-9.3pp |
| Employer contribution / active EE | $4,434 | $3,172+39.8% | $4,034+9.9% | $2,596+70.8% |
| Participant deferral / active EE | $7,606 | $4,099+85.6% | $5,318+43.0% | $4,274+78.0% |
| Admin fee / account holder | $339 | $8,039-95.8% | $10,693-96.8% | $7,775-95.6% |